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Loss and Loss Adjustment Expense Reserves | 9 Months Ended
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Sep. 30, 2025
Loss and Loss Adjustment Expenses Reserves [Abstract] |
Loss and Loss Adjustment Expense Reserves | LOSS AND LOSS ADJUSTMENT EXPENSE RESERVES Activity in the loss and loss adjustment expense reserves is summarized as follows:
| September 30,
(millions) | 2025 |  | 2024
Balance at January 1 | $ | 39,057 |  |  | $ | 34,389 |
Less reinsurance recoverables on unpaid losses | 4,487 |  |  | 4,789 |
Net balance at January 1 | 34,570 |  |  | 29,600 |
Incurred related to: |  |  |
Current year | 40,922 |  |  | 36,276 |
Prior years | (1,068) |  |  | (199) |
Total incurred | 39,854 |  |  | 36,077 |
Paid related to: |  |  |
Current year | 21,904 |  |  | 19,669 |
Prior years | 14,228 |  |  | 12,492 |
Total paid | 36,132 |  |  | 32,161 |
Net balance at September 30 | 38,292 |  |  | 33,516 |
Plus reinsurance recoverables on unpaid losses | 3,813 |  |  | 4,546 |
Balance at September 30 | $ | 42,105 |  |  | $ | 38,062 |
We experienced favorable reserve development of $1,068 million and $199 million during the first nine months of 2025 and 2024, respectively, which is reflected as “incurred related to prior years” in the table above. Year-to-date September 30, 2025 •The favorable prior year reserve development included approximately $660 million attributable to accident year 2024, $190 million to accident year 2023, and the remainder to accident years 2022 and prior. •Our perso nal auto products incurred about $910 million of favorable loss and loss adjustment expense (LAE) reserve development, with the agency and direct auto businesses each contributing about half. The favorable development was primarily due to lower than anticipated loss severity and frequency in Florida and, to a lesser extent, lower than anticipated litigation defense costs across most states and lower than anticipated payments on reopened property damage claims that were previously closed. •Our personal property products experienced about $75 million of favorable development, primarily attributable to favorable development on 2024 catastrophe events. •Our Commercial Lines business experienced about $80 million of favorable development, primarily attributable to lower than anticipated severity in our transportation network company business, partially offset by higher than anticipated severity and litigation defense costs in our core commercial auto bodily injury coverages. Year-to-date September 30, 2024 •The favorable prior year reserve development included approximately $160 million attributable to accident year 2023, $5 million to accident year 2022, and the remainder to accident years 2021 and prior. •Our personal auto products incurred about $375 million of favorable loss and LAE reserve development, with about 60% attributable to the agency auto business and the balance in the direct auto business. The favorable development was, in part, due to lower than anticipated severity and frequency in Florida and lower than anticipated property damage severity across the majority of states. •Our personal property business experienced about $75 million of unfavorable development primarily due to higher LAE costs than anticipated. •Our Commercial Lines business experienced about $100 million of unfavorable development primarily driven by higher than anticipated severity in our commercial auto business for California, New York, and Texas.

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